Well, it turns out to be an $85 ticket with 3 points. The official wording on the ticket is "Improper turn at traffic signal," which is actually listed in the point schedule. At this point I may just pay it and eat the points; this'll depend on whether I'll have time to go to court to try and get it dismissed/reduced. Owning 2 vehicles, it would be wise to go, but I just don't have time for that crap, plus it's in a neighboring city (North Bergen), and they usually aren't kind to out of towners.
And don't remind me of the high insurance rates in NJ . . I've lived with that for 22yrs now